youchamp Frequently Asked Questions (FAQs)

These are the youchamp frequently asked questions. Here you will find the answers to all your questions, including how to share payments, split group expenses and send and receive money in our bill splitting app.

Do my friends need to download the app to join a group?2018-12-17T08:10:07+00:00

If they want to chat in the group, yes they do! BUT, they don’t need to download the app to pay. Instead, you can provide them with the group number and they can go to the Make a Payment section on the website and pay through there, just like in the split bill app. As a youchamp user, we will always request you to suggest your friends download youchamp app to send and receive money.

What happens to the data of the closed group?2018-12-17T08:12:43+00:00

You shouldn’t need to! youchamp app isn’t just about taking payments, it’s also about making and keeping memories. Whenever you claim a group, it will stay in your app and you will still be able to share photos and memories about the event. You’ll also be able to always track who has paid what forever.

What happens if one of the group members doesn’t pay?2018-12-17T08:14:04+00:00

That’s exactly what youchamp is for. In the Group Details screen everyone can see who has paid and how much. The group will also stay in everyone’s open group screens so they’ll always know who hasn’t paid. You can chat about it, send reminders via SMS or in the group and make sure you are always getting paid. You can also choose to claim the group with members outstanding and claim any funds.

Do you charge any fees for this bill splitting app?2018-12-17T08:15:14+00:00

Yes and No. We don’t charge any fees for transactions which are under $100. We charge $1 for transactions under $499, $5 for transactions up to $2,499 and $10 for transactions over $2,500. The youchamp fees are evenly distributed to all members of the group. For example you have 5 people in the group, each member of the group will contribute $.20 cents towards the youchamp fees. In addition to that if you choose to pay by credit card there will be very nominal credit card fees that you will incur which you will incur regardless of how you pay and when using POLIPayments there is a very small fee for them. We have negotiated the best possible rates available with Stripe for all youchamp users and only charge our users what we are being charged!

The group Arranger is able to swipe left on a group at any time and tap claim. This will archive the group and any outstanding funds will be transferred to the Organiser or the party taking the tab for the money spent. We’ll also charge any processing fees at the time to the Arranger’s credit card.

What’s the difference between equal not unequal splits?2018-12-17T08:17:40+00:00

Sometimes you’ll go for a holiday and everyone is paying the same for the accommodation. Sometimes you’ll go out for dinner and one person will have a diet coke while another person will have a lobster. With youchamp, you can make your group to suit either way. A Split Equal groups means youchamp will automatically calculate the amount owing by everyone and let them know. An Unequal Split means each person will have to enter the amount they are paying and youchamp will keep track of it for you.

You absolutely can share costs! Just tap on pay for someone else and you can select who you want to pay for. In a Split Equal group, you’ll be paying the equal amount and in an unequal split group you’ll have to enter how much you want to pay for each person. Champy doesn’t tell anyone that you’ve paid for someone else though. He’ll just let everyone know that each person has made their own payment.

Why can’t you make direct payments to my credit card?2018-12-17T08:18:00+00:00

We are actively seeking a solution to allow instant transfers to credit cards. We don’t want you to have to create another account with another system, so until we can find something seamless, we’ll continue to use Stripe and then transfer money to you every day. Our most ideal solution to you will be to credit your credit card with the amount owed to you by the group that you have created.

We transfer funds every day! So it’s entirely up to your bank when it arrives. With the new banking systems coming in to place these should happen within hours of you claiming the money, except on weekends when it can take up to next business day for your money to be in your account.

Your chat groups are only available to the users in the chat group. Our system stores the encoded messages on our protected server. This is to protect you from anything unscrupulous happening to your money.

We need your phone number and email address to allow you to login to youchamp. But other than that, Champy will occasionally send you emails/notifications about updates made to youchamp. Everything is stored on our protected server which is on Amazon Web Services (AWS). We do our best to protect these details. We do not authorise any third party marketing activities with your data automatically unless you have opted in for a specific cause.

How do you store my bank details for direct debits and payments?2018-12-17T08:18:59+00:00

Your bank details are stored on our encoded server so no one has access to it except our system for making payments. We need your bank details to pay any money that is charged by credit card, but we don’t have access to it. It is an automated process.

youchamp doesn’t store your credit card data. We use Stripe to process credit card payments and POLIpayments for account to account payment transactions. To keep it simple and secured we instead allocate each user a token which accesses the payments through Stripe and POLIpayments. Stripe is one of the largest and most trusted systems in the world when it comes to credit card payments. You can find out more at www.stripe.com and www.polipayments.com.